1. The repayment date is 65438+ February 20th every year. Students' interest at school is fully subsidized by the finance, and after graduation, the interest is paid by the students and their parents (or other legal guardian borrowers). After graduation, students are required to start repaying loans through Alipay. The normal repayment date of each year is before 65438+February 20th, and the repayment date of the last year is before September 20th. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 20th of each month. Interest is calculated by product method, and interest is calculated by actual days and calculated by year. 1. Product interest method formula: interest = accumulated interest products, accumulated interest products = bookkeeping date is the loan issuance date of Development Bank, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last loan year is September 20th).
2. When does the student loan begin to calculate interest?
After graduation, the interest shall be calculated according to the statutory loan interest rate announced by the People's Bank of China.
The "Regulations on the Administration of National Student Loans" has corresponding provisions:
Seventeenth national student loan handling bank according to the application of students, specifically determine the term of each loan. The national student loan interest rate is subject to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies.
The principal and interest of loans borrowed by students must be paid off within four years after graduation. In order to ensure the recovery of the national student loan, students must reconfirm or change the loan contract with the handling bank before graduation, and go through the corresponding guarantee procedures.
Policy system
The CPC Central Committee and the State Council attached great importance to the financial assistance for students from poor families. It is an important measure to establish and improve the financial aid policy system for students from poor families, so that students from poor families can enter school smoothly, afford college and receive vocational education, which is to practice the "Theory of Three Represents", implement the Scientific Outlook on Development and build a harmonious socialist society. It is an effective means to implement the strategy of rejuvenating the country through science and education and strengthening the country through talents, optimize the educational structure and promote educational equity and social justice; It is an inevitable requirement for effectively performing public finance functions and promoting the equalization of basic public services.
The main contents of the financial aid policy system for students from poor families in colleges and universities
After the promulgation and implementation of the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13) and its supporting measures, the state has established various forms of financial aid policy systems for students from poor families in colleges and universities, such as national scholarships, national inspirational scholarships, national grants, free education for normal students, national student loans, work-study programs, tuition fee remission and so on. When students from poor families are admitted to universities, they can first report on time through the "green channel". After entering the school, the school verifies the family's financial situation and then adopts different ways to support it. Among them, the problem of living expenses is mainly solved by state grants, supplemented by work-study programs; To solve the problem of tuition and accommodation, the national student loan is the main one, supplemented by the national inspirational scholarship. In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.
3. College students from poor families
Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. By the school in accordance with the standards and procedures prescribed by the relevant departments, determined through democratic appraisal. When students apply for the identification of family financial difficulties, they need to submit the "Questionnaire on Students and Families in Colleges and Universities" stamped by the civil affairs department of the township, town or street where their families are located (see attached table) to prove the family economic situation.
3. The scope of implementation of university funding policy.
All full-time undergraduate students (including higher vocational colleges and second bachelor's degrees) in public colleges, higher vocational schools and junior colleges who meet the requirements stipulated by the state enjoy the state funding policy. Private colleges (including independent colleges) run schools in accordance with the relevant provisions of the state, and fully withdraw 4-6% of their business income to subsidize students with financial difficulties from families. Their full-time undergraduates (including higher vocational colleges and second bachelor's degrees) who meet the requirements stipulated by the state can also enjoy the state funding policy. The specific measures shall be formulated by the provinces (autonomous regions and municipalities directly under the Central Government) in accordance with the relevant provisions of the state.
3. When did the interest on student loans start to be calculated?
When does the student loan begin to calculate interest?
4. When does the student loan count as interest?
After graduation, interest will be calculated from September. Because loan students usually start school in September, regardless of the application for 4 years, 5 years or even longer, the loan will end in September. Therefore, the repayment interest in the first year after graduation is calculated from September 1 year to February 20 18, with a period of 8 1 day, and the interest is calculated according to the number of days.
After that, the interest is calculated on an annual basis, and the repayment interest in the last year is less than one year. Interest is calculated from 65438+February 2 1 to-September 20, and interest is also calculated on a daily basis.